How to prepare your car for winter

Once you have taken care of all the big maintenance tasks, there are smaller things to consider when prepping your car for winter. Here are a few tips from Giles & Iten Insurance to make sure you are ready for the winter weather:

  • Ensuring your tires are correctly inflated is essential, as this can significantly improve traction and reduce fuel consumption.
  • Tire treads should be checked frequently to ensure they meet safety standards; winter conditions require more grip than summer.
  • You should also inspect your windshield wipers and replace them if necessary – during the winter, road grime and rain will put extra strain on these vital components.
  • Finally, check that all lights are working so you remain visible on the roads at night or during poor weather conditions. If any of your bulbs need replacing, now is a great time to do it!

Having your car ready for winter keeps you safe and increases your vehicle’s longevity. Taking a few extra steps can ensure you remain safe and warm on the roads throughout the season. By taking care of these small tasks and the larger maintenance jobs, you can be confident that your car is prepared for whatever winter throws at it! Investing just a bit of time now will save you time, money, and hassle down the line. So check those items off your list before colder weather arrives! 

For more auto insurance, call us at Giles & Iten Insurance today. We proudly serve the Surprise, AZ area. 

Required Commercial Insurance in Arizona

In Arizona, there may be types of commercial insurance that you are required to have for a business. When you are required to have certain types of policies, you can come to us to get the policies you need.

Call us at Giles & Iten Insurance in Surprise, AZ. We can help you obtain the policies that are required as well as any other coverage that you want to protect yourself and your business. 

Workers’ Compensation InsuranceWorkers’‘ compensation insurance is required for all Arizona businesses employing at least one person. This can be full-time or part-time employees. This excludes occasional workers, casual workers, or independent contractors. It also doesn’t apply to domestic workers who work inside a home. When you have any number of regular employees, make sure you have this insurance in place to keep your business legal and to avoid fines and other problems. 

Commercial Auto Insurance

This is a type of insurance that is required by the state for all vehicles that are owned by an Arizona business. When a car is business owned, it must have at least the minimum required auto insurance, but you can add more coverage if you choose. Companies often choose to add other types of auto coverage so that they have better coverage for their investment in the vehicle. The policy must have property damage and bodily injury liability coverages. You can also choose to get comprehensive and/or collision insurance. 

Get Coverage for Your Business

If you own a business in Arizona, there are certain types of commercial insurance that you need to have in place. When you’re looking for the insurance you need, you can contact us at Giles & Iten Insurance in Surprise, AZ.

Tips to Help Extend the Lifespan of Your Home’s Siding

One of the reasons why water damage and mold can occur in a home is that cracks in a home’s siding allow water or moisture to enter. Ensuring your siding is in good condition now and for years to come is one of the best ways to prevent this issue. Here at Giles & Iten Insurance, serving the greater Surprise, AZ area, we want to help you learn how to care for your siding and help it last. Here are a few tips that may help you extend the lifespan of your home’s siding. 

Inspect Your Siding At Least Once Every Season

At least once every season, you should walk around your home and examine your siding. Look for loose panels or boards, cracking or chipping, or signs of water damage. This should also be completed after large storms. 

Have Your Siding Professionally Cleaned Annually

Another way to extend the lifespan of your siding is to have your siding professionally cleaned at least once a year. Removing dirt, pollen, dust, and other residue helps your siding to look its best while also helping it last. 

Be Mindful Of What Is Up Against Your Home’s Siding

The final tip to help extend the lifespan of your home’s siding is to be mindful of what you place on your home’s siding. Placing items such as a hot barbeque or grill against your siding can damage it. Always be aware of what you put against the siding and ensure it will not damage the siding. 

Properly caring for your siding is one of the best ways to help your siding to last. This can help prevent water damage or mold that occurs when your siding is old, cracked, or worn. At Giles & Iten Insurance, serving the residents of Surprise, AZ, we want to help you care for your home and ensure you have the right home insurance policy. If you are in the market for a new insurance policy, call us today, and let’s work together to find you the right insurance policy. 

Make sure your next trip comes with the protection you need!

Giles & Iten Insurance offers all types of insurance to the greater Surprise, AZ community. One of the most impactful for frequent or occasional travelers is trip protection insurance. Don’t forget to add this vital item to your packing list!

Don’t forget trip protection insurance for your next vacation

Traveling in today’s world can be fraught with stress. There seem to be many more flight cancelations than ever before, and disruptions during a trip are becoming the norm. If you have a major vacation coming up, it’s time to look into travel insurance.

With a travel insurance policy, you can be protected from some financial loss due to canceled connecting flights, lost baggage, illness, and more. Several different policies are available, each with a different amount of protection. Choosing a policy that will protect your trip from unexpected disruption is becoming increasingly popular.

Another available feature is one that reimburses you for any deposits or other financial outlays that are not refunded if you have to cancel your travel plans. Be sure to take a close look at the protection that the policies offer, as their levels of coverage, as well as events that are included in the policy, can vary quite a bit. Don’t let a canceled flight ruin your vacation. Buy travel insurance today. 

You can count on us!

If you live in Surprise, AZ, or the surrounding area, you can turn to the team at Giles & Iten Insurance for all your insurance needs. No matter the type of coverage, we are here to help! Call or stop by the office to learn more about how a trip insurance policy can help protect your next vacation.

Discover These Incredible Festivals in Mexico

Mexico is a country rich in culture and traditions. From music and dance to food and art, there is something for everyone to enjoy. And what better way to experience all that Mexico has to offer than by attending one of its many festivals? Here Giles & Iten Insurance of Surprise, AZ presents some of the most incredible festivals in Mexico that you won’t want to miss.

Xochimilco Flower Festival

The Xochimilco Flower Festival is a yearly event in Xochimilco, Mexico. The town’s canals are filled with boats decorated with flowers and candles during the festival. The festival is a celebration of spring and the town’s agricultural heritage.

Day of the Dead

The Day of the Dead is a Mexican holiday celebrating the lives of those who have passed away. The holiday is celebrated with festivals that include music, food, and decorations. The celebrations are often held in cemeteries, where people bring gifts and offerings for the dead. The Day of the Dead is a time to remember and honor loved ones who have died.

Cinco de Mayo

Cinco de Mayo is a holiday that celebrates the Mexican army’s victory over the French at the Battle of Puebla on May 5, 1862. It is celebrated in Mexico with parades, festivals, and traditional Mexican food. Cinco de Mayo has celebrated Mexican culture and heritage in the United States.

Tecate Baja California Balloon Festival

The Tecate Baja California Balloon Festival is an annual event in Tecate, Baja, California. The festival features hot air balloon rides, music, food, and other family-friendly activities.

Puerto Vallarta Film Festival

The Puerto Vallarta Film Festival is a film festival that takes place in Puerto Vallarta, Mexico. The festival was founded in 2011 and takes place every year in November. The festival showcases Mexican and international films.

Giles & Iten Insurance in Surprise, AZ offers Mexican travel insurance to protect you and your family while you’re away. We know the importance of being prepared for anything, and our experienced team is here to help you get the coverage you need.

Five Mistakes People Make When Buying Classic Car Insurance

If you’ve decided to take the plunge and invest in a classic car, congratulations! You’re about to join a select group of enthusiasts who appreciate the beauty and history of these vehicles. But before you take your new ride home, there’s one crucial detail to take care of: insurance. While classic car insurance may seem like a straightforward process, there are a few pitfalls that many people fall into. This blog post will highlight five of the most common mistakes people make when buying classic car insurance.

1. Not Shopping Around

The first mistake people make is not shopping around for the best classic car insurance policy. Like any other type of insurance, a variety of companies offer classic car insurance, and it’s crucial to compare rates and coverage before settling on a policy.

2. Not Reading the Policy Carefully

Never assume that you’re getting the coverage you need. It’s important to read your policy carefully and understand what is and isn’t covered. Don’t hesitate to ask your agent for clarification if you have any questions.

3. Omitting Important Details

When applying for classic car insurance, it’s essential to be as honest and forthcoming as possible about the details of your vehicle. Omitting important information, such as prior damage or modifications, could result in your claim being denied if you ever need to file one.

4. Assuming All Classic Cars Are the Same

Not all classic cars are created equal, which your insurance policy should reflect. The value of your vehicle and the type of coverage you need will vary depending on the make, model, and year of your car.

5. Not Reviewing Your Policy Regularly

Your classic car insurance policy is not a set-it-and-forget-it type of deal. As your vehicle ages, its value will change, and you may need to adjust your coverage accordingly. It’s a good idea to review your policy every year to ensure it still meets your needs.

Get Classic car insurance in Surprise, AZ.

Classic car insurance doesn’t have to be complicated. By avoiding these five mistakes, you can be sure you’re getting the coverage you need for your valuable investment. Giles & Iten Insurance can help you find the right classic car insurance policy for your needs. Give us a call today to get started.

Tips for Buying RV Insurance for a New RV Owner

Owning an RV is a great way to see the country and spend time with family and friends. However, it’s important to remember that RVs are a significant investment, and you’ll need to purchase insurance to protect your investment. Here are a few tips to help new RV owners find the right insurance policy:

1. Determine What Type of Coverage You Need

There are several types of RV insurance, and choosing a policy that meets your specific needs is important. If you’re financing your RV, your lender may require you to purchase comprehensive and collision coverage. If you’re not financing your RV, you may still want to buy these types of coverage to protect your investment.

2. Consider Your Deductible

While a lower deductible may mean you’ll pay more in premiums, it could also mean that you’ll be less likely to have to pay out of pocket for repairs in an accident. Conversely, a higher deductible could mean you’ll pay less in premiums, but you may have to pay more out of pocket if you’re in an accident.

3. Get Written Quotes

When you’re shopping for RV insurance, be sure to get written quotes from multiple insurers. This will allow you to compare rates and coverage options side-by-side. However, be sure to compare apples to apples when you’re comparing quotes. For example, ensure the policies have the same coverage limits and deductibles.

4. Read the Fine Print

Before you purchase an RV insurance policy, be sure to read the fine print. This will help you understand what’s covered and what’s not. For example, some policies may not cover damage caused by weather or rodents. Rather than make assumptions, it’s always best to ask questions and get clarification.

Get RV Insurance in Surprise, AZ

Now that you know what to look for in a policy, Giles & Iten Insurance can help you find the right coverage for your needs. Give us a call for a free quote. We’re here to help you protect your investment.

 

Why Add an Umbrella Insurance Policy With a Teenage Driver in Surprise, AZ

Congratulations on your new driver in the family! You may be feeling a mix of emotions right now, but one thing is for sure- you want to do everything you can to keep them safe on the road.

Adding an umbrella insurance policy with a teenage driver is an excellent idea and here’s why:

What is an Umbrella Policy?

First, let’s start with the basics. An umbrella insurance policy is an "add-on" to your auto insurance that provides extra liability coverage. This is important because it can help protect your assets in an accident where you are found to be at fault.

Why You Need It With a Teenage Driver

Now that we know what an umbrella policy is let’s discuss why you need it with a teenage driver. As we all know, teenagers are much more likely to be involved in an accident than adults. This is because of various factors, including inexperience, immaturity, and peer pressure.

An umbrella policy can help protect you financially if your teenage driver is involved in an accident. It may help pay for damages that exceed your auto insurance policy’s limits, up to the limit of your umbrella policy. This can be a lifesaver if you have a lot of assets to protect.

Your Giles & Iten Insurance agent can help you determine the right coverage when adding an inexperienced driver.

Other Benefits of an Umbrella Policy

Besides the extra liability coverage an umbrella policy provides, it can also help cover some other costs associated with an accident, such as legal and court costs.

Adding an umbrella insurance policy with a teenage driver is an excellent idea. It can give you peace of mind by knowing that you and your assets in Surprise, AZ are protected in the event of an accident. Call the Giles & Iten Insurance team today to learn more about this essential coverage.

Is Life Insurance Worth It?

Life insurance protects your family in the case of death, injury, or illness. It can also cover you if you cannot earn a living or something unexpected happens, like a job loss or a serious illness. 

The best life insurance is designed to cover a person’s short-term needs and allow them to keep making payments for a while. However, it’s also essential to consider the total cost of the policy when determining whether or not it’s a good fit for your situation. 

How to Apply for Life Insurance

The application will require information about your age, health, occupation, and other pertinent information. When shopping for life insurance, don’t limit yourself to looking at the rate and the number of years of coverage. 

Look at the coverage value and not the value of your house or your savings. Life insurance policies provide different values to different people because people value different things. If you’re reading this, you’re probably one of the more than 191 million people in the U.S. who do not have life insurance. 

Some policies have shorter terms, like six months, while others have longer terms, like ten years. The third is the annual premium. This is the cost of the policy each year, and it can be a considerable expense if you need to renew the policy often. 

There are other factors to consider, like whether you have any medical conditions that would disqualify you from coverage or if you smoke or drink. If you’re not sure if life insurance is right for you, talk to an advisor at your bank or brokerages about what’s available and how much it might cost. Giles & Iten Insurance, serving at Surprise, AZ, can get you set up. 

Bottomline

Life insurance will help protect your family against financial emergencies. It can also help cover expenses if a loved one passes away, especially if you can’t afford to pay for it. And since life insurance is a financial commitment, consider how much you’ll need to put away each month to cover the cost of coverage. 

Some general tips to consider when weighing the pros and cons of life insurance include the amount of coverage you need and whether or not a policy provides a good value for your specific needs. For help, consult Giles & Iten Insurance, a firm serving clients in Surprise, AZ.

4 FAQ about auto insurance in Surprise, AZ

Auto insurance isn’t a luxury. It’s the law.

Arizona drivers are subject to specific auto insurance requirements like most other states. Giles & Iten Insurance knows keeping up with these mandates can be confusing. Luckily, their agents can help.

Serving Suprise, AZ, Giles & Iten Insurance answers four frequently asked questions about auto insurance.

What auto insurance is required?

Described by statute as "mandatory insurance," Arizona requires liability coverage. This includes $25,000 of bodily injury liability for any one person and a total of $50,000 for two or more people. The state also mandates a minimum of $15,000 in property damage liability.

How is Arizona’s auto insurance law unique?

Arizona offers a couple of distinctions that aren’t very common. First, it is a comparative negligence state. This means that "fault" can be split between multiple drivers based on a percentage of responsibility. Additionally, Arizona is also a diminished value state. This allows drivers to make claims to recoup losses based on reduced re-sale value resulting from a collision.

What are the penalties for driving uninsured?

Motorists who drive unlawfully are subject to penalties. These are based on the number of offenses but often include steep fines and suspension of driving privileges. The cost of auto insurance will also increase in the future.

What options can I add to my policy?

Minimum auto insurance is rarely enough. Although Arizona drivers can opt out of underinsured/uninsured protection, these are encouraged. This shields you in the event of an accident with a driver who lacks proper insurance. Collision, comprehensive, and medical payment coverage are also recommended.

Contact an agent serving Surprise, AZ

Giles & Iten Insurance provides more than just answers. Their experienced agents can find a policy that keeps you safe and secure on the roadways. Schedule an appointment today.